Date Received: 2015-04-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen Loan Servicing , LLC stopped payment on a check that was mailed to My local Tax Commissioner for my property taxes. So my taxes have not been paid after XXXX phone calls still nothing so I have paid the bill myself before the they put a lien on my property. The Company will not issue my money back out of Escrow and I am out this money.
Company Response:
State: GA
Zip: 30528
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. As per final order. 1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 5. Ocwen did not provide NPV values on denial letter. 6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Presently I have my mortgage loan with Ocwen Loan Servicing ( Loan No. XXXX ). For the past few years, I did have the same loan w/ XXXX under Obama 's mortgage program for low Income families, Ocwen purchased my loan from XXXX few years ago and they purchased it under same terms that I had with XXXX . Since XXXX of 2015, Ocwen has been harassing me regarding to buy Home Owner Insurance for my unit from them for the amount of {$740.00} per year. Ocwen is fully aware of our Townhomes Insurance policy for the past few years, suddenly they want me to buy insurance from them for interior walls and contents in my unit, and I believe Ocwen 's decision and attempt in this matter is illegal and unreasonable since they bought the loan from XXXX as it was. I have had to speak to Ocwen reps a few times and I did mail the Certificate of Liability Insurance to them but Ocwen is still harassing me, with Certified mail and they have not been reasonable.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I attempted to have my mortgage that is currently serviced by OCWEN. When initially starting the modification request, I asked if I decided to not do the modification once approved, that it would not effect my credit and I was assured it would not. I proceeded with the process, and was approved for the trial modification period. I asked what the terms of the modification were, and I was told that I had to make all XXXX trial payments prior to the actual terms of the modification being sent to me. I once again asked " if I decide to not accept the modification will it effect my credit? ", once again I was assured it would not. I completed the XXXX trial payments and received the terms of the modification as there was {$5000.00} added to my current mortgage balance that could not be explained, and when I asked for documentation showing what was comprised of the {$5000.00}, I was told that I would have to submit a request to the research department and they would mail me the documentation in 30 days, which was beyond the date the modification needed to be accepted. I declined the modification as I felt the slightly lower payment and interest rate, but undocumented {$5000.00} addittion in principal balance and balloon payment, were not in my best interest. I received a statement for XXXX stating the balance due was {$4500.00} to bring the mortgage current, which I expected as the modification payments were smaller than the original payments. I made a payment of {$3600.00} on XXXX XXXX, and attempted to pay the remaining {$1000.00} on the OCWEN website on the evening of XXXX XXXX. The website would not allow me to make a payment on my loan. I called OCWEN on XXXX XXXX, to make the payment and I was told that my payment from XXXX was due in the amount of {$800.00} ( Approxament amount as I did not right it down ). I asked what had happen to my payment of {$3600.00}, and after the representative did some researching, I was told that, the payment had been returned as it was not for the full amount of {$4500.00}, and that I was over 90 days late, and because now it was XXXX XXXX, I was 120 Days late on my mortgage and {$5600.00} was due. I was dumbfounded as to why a customer who had just completed a trial modification, and rejected a horrible modification, receives a bill for XXXX XXXX, and attempts to make the payment as required with 30 days, has his payment rejected and is being reported as 120 days late to the credit bureaus. I asked for the issue to be escalated, and it was. The next person I spoke with stated they would take a certified payment that I would incurr more fees in providing it to them and then she would send a request up to the credit reporting department to see if they would provide me a one-time courtesy, but no guarantee that this would be corrected. I stated that I was willing to make the payment but not until I was guaranteed to have the credit reporting corrected to not show any late payments as everything was being paid as billed and within the proper time. I threatened to contact the CFPB and/or an attorney. They really did n't care, and told me to call them back to let them know what I was going to do. All I ask is that I be able to continue to make my payments with no negative credit reporting. I was told twice in this process, that my credit would not suffer if I opted to not do the modification. I made the payments that were required of me, when the statements were sent, and I am asking that you help facilitate the common sense that has not been shown by OCWEN, in reporting that payments were on time and have not been late. If this is not resolved, if the CFPB can recommend some attorney 's that have an expertise in this feild I would greatly appreciate it. Any other recomendations are also appreciated.
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX 2014 I have my mortgage service by OCWEN LOAN SERVICING LLC . When I went to file my taxes I find out that I did n't received a mortgage interest from OCWEN, so I called them and provided them the account # from my statement and they keep telling me that the account number does not exist and so is the property address, I called XXXX times and thats all I here from them and they do n't seems to help me out. I feel so frustrated and the fact that I have XXXX weeks from the deadline for filing my taxes.
Company Response:
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Currently, my loan is being serviced by Ocwen Loan Servicing , LLC . I obtained this mortgage prior to XX/XX/XXXX. I tried several attempts to qualify for a loan modification but recently my circumstances changed because my husband and I decided to file for a divorce and I do not make the same income as I use to. Next, I decided to list my property for a short-sale and found an approved buyer for my property. I completed the XXXX request for relocation assistance and became aware that any short-sale that closes after XXXX XXXX, XXXX and its was the homeowners primary and only residence, that the would be entitled to the {$10000.00}. I went on the Making Home Affordable website to confirm this and saw that I meet all of the criteria to be eligible for the XXXX funds. The website states the following : You may be eligible for HAMP if you meet the following criteria : Because of a financial hardship, you are struggliing to make your mortgage payments. You are delinquent or in danger of falling behind on your mortgage. You obtained your mortgage on or before XX/XX/XXXX. Your property has not been condemned. You owe up to {$720000.00} on your primary residence or XXXX unit rental property ( loan limits are higher for XXXX to XXXX-unit properties ). You have not been convicted within the last 10 years of a crime in connection with a mortgage or real estate transaction. However, Ocwen is now stating that if there is a scheduled sale date within 60 days, that the homeowner is no longer allowed to receive the {$10000.00} and any government assistance. We have been working with this qualified Buyer since XX/XX/XXXX and we submitted all documents timely ( within 90 days of the sale date ). Now, Ocwen is denying me consideration of the XXXX funds even though they had a completed package more than 80 days from the sale-date. I spoke with other lenders and this is not the case. I believe that Ocwen is not only doing this to me but also doing this to numerous homeowners who really need government assistance which is what the program was designed for. I am requesting for the Consumer Financial Protection Bureau to seriously investigate the current practices of Ocwen because I believe they are in breach of helping struggling howeowners who legitimately need assistance. Thank you for you time to help assist with this matter.
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX I WAS WITH XXXX MORTGAGE SOLD MY LOAN TO OCWEN. THEN OCWEN SAID THAT I WAS BEHING SINCE XXXX DIDNT RESEND THE PAYMENT TO OCWEN. SO I M BEEN BACK AND FORTH SENDING OCWEN ALL MY PAYMENT AND/OR RECEIPTS. THEY WERE SUPPOSED TO LET ME KNOW IF EVERYTHING WAS OK BUT I AM STILL WAITING FOR OCWEN TO CALL ME.
Company Response:
State: TX
Zip: 78046
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ocwen has lost, misplaced, or misposted over XXXX worth of payments from XXXX to present. We have also been charged for a forclosure that never actually occured ( {$14000.00} in fees that were supposed to removed with the XX/XX/XXXX loan modification ). We have provided bank statements on XXXX separate occasions ( and XXXX different escalation specialists ) that provide confirmation that ocewn received and accepted our payments ( however Ocwen states we never made the payments even after we furnished proof that we had ). they are reporting us 90 days behind and we are not, we should actually have {$3000.00} in a suspense account? We have been bounced around for XXXX months to different escalation specialists and there is still no resolution. We need help!
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had a negative escrow balance on my mortgage, I sent my mortgage company {$3000.00} to be applied toward the escrow, switched home owners insurance carriers ( {$1400.00} difference ) and have paid and extra {$480.00} dollars to be applied toward the escrow for the past XXXX months ( {$1400.00} ). I 've called at least XXXX a month since XXXX 2015 asking for a new escrow analysis to be done and I 'm always told the order is put in and I should receive something within XXXX business days. Each time I call, the previous order was never completed. I 've applied a total of approximately {$5800.00} toward my escrow and Ocwen refuses to recalculate my monthly payments.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No